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Build credit with Kikoff.

No credit pull required.
With 0% interest.

Join the hundreds of thousands already using Kikoff.
Open your account in minutes!
Credit builder
As seen on...
Nerdwallet
Credit Karma
CNBC
Forbes
the Penny Hoarder
We’re designed to maximize credit.

Kikoff addresses three key factors that determine 80% of your credit score.

credit factors piechart
Kikoff grows your credit by lowering your utilization
Our Credit Account will help your utilization by adding a $⁨750⁩ credit line to your report. This credit line can only be used to finance Kikoff products and services.
Building your credit history
Every monthly payment you make builds your payment history, the most important factor for your credit score.
Increasing your credit age
The older your accounts the better. Your Kikoff credit account doesn’t expire so you can increase your account age.

Building credit is as easy as 1, 2, 3

  1. Set up

    After a quick application, we set up a credit account for you and report it with a $⁨750⁩ credit limit. This is used to purchase Kikoff products and can only be used with our credit building products.
  2. Build payment history

    Use your Credit Account. We report your payment history to the credit bureaus.
  3. Watch your credit grow

    Set up autopay, kick back, and relax.
We’ve got your back.
Credit building on your terms.
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment - you can pay your balance in full at any time.
Grow payment history, guaranteed.
With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history - and your credit.
Reach your financial goals.
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.
Kikoff app on phone
Join hundreds of thousands building credit with Kikoff.
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Don’t just take our word for it.

Join hundreds of thousands building their credit with Kikoff.


As reviewed on Nerdwallet
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
Have questions?
  • Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

    Kikoff offers 2 products:

    1. Kikoff Credit Account - this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
    2. Kikoff Credit Builder Loan - this is an additional product for customers with positive payment behavior on Kikoff products. Credit Builder Loan is a 1-year savings plan for $10/month.

  • The Kikoff Credit Account is a revolving line of credit that gets reported to Equifax and Experian.

    You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff.

    Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries). There is no physical card with the Kikoff Credit Account.

  • On average, customers with credit scores under 600 increase their credit scores by 58 points[1], with consistent on-time payments during the account lifetime. Many Kikoff customers have been able to qualify for better car loans, mortgages, credit cards, personal loans, and more.

    Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.

    [1] Credit Score Increase: Based on Kikoff customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.

  • Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.

    Please note that reporting depends upon which Kikoff products you have:

    • Kikoff Credit Account reports to Equifax and Experian.
    • Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

  • With Kikoff, there are no additional fees.

    You are responsible for paying back any purchases financed by the Kikoff Credit Account, but there are no additional interest fees, late fees, or other fees.

Join Kikoff today